<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 14,264 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 10,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 12,289 <INVESTMENTS-CARRYING> 27,481 <INVESTMENTS-MARKET> 27,636 <LOANS> 196,271 <ALLOWANCE> 4,202 <TOTAL-ASSETS> 274,117 <DEPOSITS> 250,400 <SHORT-TERM> 567 <LIABILITIES-OTHER> 1,778 <LONG-TERM> 120 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,537 <OTHER-SE> 9,716 <TOTAL-LIABILITIES-AND-EQUITY> 274,118 <INTEREST-LOAN> 9,251 <INTEREST-INVEST> 2,126 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 11,377 <INTEREST-DEPOSIT> 4,558 <INTEREST-EXPENSE> 12 <INTEREST-INCOME-NET> 6,807 <LOAN-LOSSES> 3,336 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,341 <INCOME-PRETAX> (715) <INCOME-PRE-EXTRAORDINARY> (715) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (376) <EPS-PRIMARY> (0.24) <EPS-DILUTED> (0.21) <YIELD-ACTUAL> 9.25 <LOANS-NON> 7,524 <LOANS-PAST> 1,507 <LOANS-TROUBLED> 756 <LOANS-PROBLEM> 18,198 <ALLOWANCE-OPEN> 4,053 <CHARGE-OFFS> 3,200 <RECOVERIES> 13 <ALLOWANCE-CLOSE> 4,202 <ALLOWANCE-DOMESTIC> 3,336 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0